Which card earns more rewards, the AT&T Points Plus® Card From Citi or Citi Strata Credit Card?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the AT&T Points Plus® Card From Citi or the Citi Strata Credit Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the AT&T Points Plus® Card From Citi or Citi Strata Credit Card?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the AT&T Points Plus® Card From Citi or the Citi Strata Credit Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the AT&T Points Plus® Card From Citi or Citi Strata Credit Card?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the AT&T Points Plus® Card From Citi or the Citi Strata Credit Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

AT&T Points Plus® Card From Citi vs Citi Strata Credit Card

Both cards cost $0/yr. The AT&T Points Plus® Card From Citi is better for gas stations, while the Citi Strata Credit Card wins on travel. Here's how they compare.

AT&T Points Plus® Card From Citi

Citi

Citi Strata Credit Card

Citi

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

30,000 Flex point

Earn Rates

Category	AT&T Points Plus® Card From Citi	Citi Strata Credit Card
Cosmetics	1X	3X
Fitness & Gyms	1X	3X
Gas Stations	3X	3X
Grocery Stores	2X	3X
Live Entertainment	1X	3X
Pet Stores	1X

Benefits & Features

Network

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

—

+No annual fee
+30,000 point welcome bonus
+5X points on travel booked via Citi Travel
+3X points on groceries, transit, gas, and Self-Select category
+Self-Select category flexibility (change quarterly)

Cons

—

−3% foreign transaction fee
−5X rate requires booking through Citi Travel portal
−Self-Select category can only change quarterly
−Lower transfer value compared to premium ThankYou cards

Category-by-Category Winner

The Citi Strata Credit Card wins in 9 of 9 categories. The AT&T Points Plus® Card From Citi leads in 0.

Grocery Stores

Citi Strata Credit Card earns 3X vs 2X

Transit

Citi Strata Credit Card earns 3X vs 1X

Rotating Category

Citi Strata Credit Card earns 3X vs 1X

Cosmetic Stores

Citi Strata Credit Card earns 3X vs 1X

Fitness & Gyms

Citi Strata Credit Card earns 3X vs 1X

Live Entertainment

Citi Strata Credit Card earns 3X vs 1X

Pet Shops

Citi Strata Credit Card earns 3X vs 1X

Streaming

Citi Strata Credit Card earns 3X vs 1X

Dining

Citi Strata Credit Card earns 2X vs 1X

Frequently Asked Questions

Which card earns more rewards, the AT&T Points Plus® Card From Citi or Citi Strata Credit Card?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the AT&T Points Plus® Card From Citi or the Citi Strata Credit Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Amex Blue Cash Everyday vs Citi Strata Amex Green vs Citi Strata Bank Of America Customized Cash vs Citi Strata Bank Of America Unlimited Cash vs Citi Strata

Explore More

AT&T Points Plus® Card From Citi — Full Review All Citi Cards

Citi Strata Credit Card — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Citi cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.

AT&T Points Plus® Card From Citi vs Citi Strata Credit Card

Both cards cost $0/yr. The AT&T Points Plus® Card From Citi is better for gas stations, while the Citi Strata Credit Card wins on travel. Here's how they compare.

AT&T Points Plus® Card From Citi

Citi

Citi Strata Credit Card

Citi

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

30,000 Flex point

Earn Rates

Category	AT&T Points Plus® Card From Citi	Citi Strata Credit Card
Cosmetics	1X	3X
Fitness & Gyms	1X	3X
Gas Stations	3X	3X
Grocery Stores	2X	3X
Live Entertainment	1X	3X
Pet Stores	1X

Benefits & Features

Network

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

—

+No annual fee
+30,000 point welcome bonus
+5X points on travel booked via Citi Travel
+3X points on groceries, transit, gas, and Self-Select category
+Self-Select category flexibility (change quarterly)

Cons

—

−3% foreign transaction fee
−5X rate requires booking through Citi Travel portal
−Self-Select category can only change quarterly
−Lower transfer value compared to premium ThankYou cards

Category-by-Category Winner

The Citi Strata Credit Card wins in 9 of 9 categories. The AT&T Points Plus® Card From Citi leads in 0.

Grocery Stores

Citi Strata Credit Card earns 3X vs 2X

Transit

Citi Strata Credit Card earns 3X vs 1X

Rotating Category

Citi Strata Credit Card earns 3X vs 1X

Cosmetic Stores

Citi Strata Credit Card earns 3X vs 1X

Fitness & Gyms

Citi Strata Credit Card earns 3X vs 1X

Live Entertainment

Citi Strata Credit Card earns 3X vs 1X

Pet Shops

Citi Strata Credit Card earns 3X vs 1X

Streaming

Citi Strata Credit Card earns 3X vs 1X

Dining

Citi Strata Credit Card earns 2X vs 1X

Frequently Asked Questions

Which card earns more rewards, the AT&T Points Plus® Card From Citi or Citi Strata Credit Card?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the AT&T Points Plus® Card From Citi or the Citi Strata Credit Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Amex Blue Cash Everyday vs Citi Strata Amex Green vs Citi Strata Bank Of America Customized Cash vs Citi Strata Bank Of America Unlimited Cash vs Citi Strata

Explore More

AT&T Points Plus® Card From Citi — Full Review All Citi Cards

Citi Strata Credit Card — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Citi cards

AT&T Points Plus® Card From Citi vs Citi Strata Credit Card

Both cards cost $0/yr. The AT&T Points Plus® Card From Citi is better for gas stations, while the Citi Strata Credit Card wins on travel. Here's how they compare.

AT&T Points Plus® Card From Citi

Citi

Citi Strata Credit Card

Citi

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

30,000 Flex point

Earn Rates

Category	AT&T Points Plus® Card From Citi	Citi Strata Credit Card
Cosmetics	1X	3X
Fitness & Gyms	1X	3X
Gas Stations	3X	3X
Grocery Stores	2X	3X
Live Entertainment	1X	3X
Pet Stores	1X

Benefits & Features

Network

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

—

+No annual fee
+30,000 point welcome bonus
+5X points on travel booked via Citi Travel
+3X points on groceries, transit, gas, and Self-Select category
+Self-Select category flexibility (change quarterly)

Cons

—

−3% foreign transaction fee
−5X rate requires booking through Citi Travel portal
−Self-Select category can only change quarterly
−Lower transfer value compared to premium ThankYou cards

Category-by-Category Winner

The Citi Strata Credit Card wins in 9 of 9 categories. The AT&T Points Plus® Card From Citi leads in 0.

Grocery Stores

Citi Strata Credit Card earns 3X vs 2X

Transit

Citi Strata Credit Card earns 3X vs 1X

Rotating Category

Citi Strata Credit Card earns 3X vs 1X

Cosmetic Stores

Citi Strata Credit Card earns 3X vs 1X

Fitness & Gyms

Citi Strata Credit Card earns 3X vs 1X

Live Entertainment

Citi Strata Credit Card earns 3X vs 1X

Pet Shops

Citi Strata Credit Card earns 3X vs 1X

Streaming

Citi Strata Credit Card earns 3X vs 1X

Dining

Citi Strata Credit Card earns 2X vs 1X

Frequently Asked Questions

Which card earns more rewards, the AT&T Points Plus® Card From Citi or Citi Strata Credit Card?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the AT&T Points Plus® Card From Citi or the Citi Strata Credit Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Amex Blue Cash Everyday vs Citi Strata Amex Green vs Citi Strata Bank Of America Customized Cash vs Citi Strata Bank Of America Unlimited Cash vs Citi Strata

Explore More

AT&T Points Plus® Card From Citi — Full Review All Citi Cards

Citi Strata Credit Card — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Citi cards

AT&T Points Plus® Card From Citi vs Citi Strata Credit Card

AT&T Points Plus® Card From Citi

Citi Strata Credit Card

Fees & Welcome Offer

Earn Rates

Benefits & Features

Pros & Cons

Category-by-Category Winner

Frequently Asked Questions

Related Comparisons

Explore More

AT&T Points Plus® Card From Citi vs Citi Strata Credit Card

AT&T Points Plus® Card From Citi

Citi Strata Credit Card

Fees & Welcome Offer

Earn Rates

Benefits & Features

Pros & Cons

Category-by-Category Winner

Frequently Asked Questions

Related Comparisons

Explore More

AT&T Points Plus® Card From Citi vs Citi Strata Credit Card

AT&T Points Plus® Card From Citi

Citi Strata Credit Card

Fees & Welcome Offer

Earn Rates

Benefits & Features

Pros & Cons

Category-by-Category Winner

Frequently Asked Questions

Related Comparisons

Explore More

Which Card Is Right for You?

Which Card Is Right for You?

Which Card Is Right for You?